The Influence of Perceived Usefulness, Ease of Use, and Security on the Intention to Use Fintech Payment among Generation Z in Sidoarjo
Pengaruh Persepsi Kegunaan, Kemudahan Penggunaan, dan Keamanan terhadap Minat Menggunakan Fintech Payment pada Generasi Z di Sidoarjo
DOI:
https://doi.org/10.21070/ups.10517Keywords:
Fintech Payment, Perceived Usefullnes, Perceived Ease of Use, Perceived Security, Generation ZAbstract
Growing digitalization has reshaped financial transactions, with fintech payment services gaining traction among Generation Z. However, their adoption is shaped by perceptions of usefulness, ease of use, and security. This study examines the influence of these three factors on Generation Z's intention to use fintech payment services in Sidoarjo Regency. Using a quantitative approach, 200 respondents were selected through purposive sampling and data were analyzed using SEM-PLS via SmartPLS 4.0. Results confirm that all three variables positively and significantly predict usage intention, with perceived usefulness as the most influential factor. These findings reinforce the applicability of the Technology Acceptance Model (TAM) in digital financial technology adoption among Generation Z, offering practical guidance for fintech providers to expand adoption in sub-urban areas by strengthening functional value, interface usability, and system security.
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